March 2008 E-News Bulletin

Welcome to the eighth edition of the Franklin Financial Network News Bulletin!

We have some great news to share with you this month! Our young bank is growing by leaps and bounds and we are excited by our progress. We have nearly 200 Founders now at Franklin Synergy Bank and time is running out to become a Founder of Franklin's most successful community bank. We'd like all of our friends and family to join us as Founders of Franklin Synergy Bank; you still have that opportunity until April 1, 2008. See below for more details of our exclusive Club accounts.

Visit with us at 3301 Aspen Grove Drive or call us at 236-BANK (2265) and we'll visit with you when and where it's most convenient. You can become a Founder by opening a club account prior to April 1, 2008.

The Great News………

April will be a very exciting month for Franklin Synergy Bank, with 2 milestone events occurring. On April 17th, at 5pm, Franklin Financial Network, our parent company, will hold its first annual shareholder meeting at our bank located at 3301 Aspen Grove Drive. All shareholders are invited.

In early April, Franklin Synergy Bank will officially become Williamson County's primary depository bank. Our bank was selected from nine competing banks to handle the County Trustee accounts. This is quite an honor for a young bank and we greatly appreciate the trust placed in us by the county. A major criterion in the selection process was the experience of several of our bankers in working with the county over the last decade. As a friend commented, "You're a new bank, but not new bankers."

Williamson County is an exciting place to live, work, and play. The statistics are impressive. Our county is the wealthiest in the state of Tennessee, and, using the year 2005 as a base, the county is the seventh wealthiest in the country. Recent economic activity (corporate relocations, expansion in the Cool Springs area, etc.) has resulted in a 17.8% growth in total employment between 2000 and 2005 and an unemployment level significantly below state and national levels.

We often are asked, "Why has Williamson County experienced such rapid growth?" There are many reasons for our growth and wealth, but my personal belief is that there is one over-riding factor: political leadership. Over the last few decades, our local leaders have made insightful and visionary decisions that continue to benefit our community. For example, our political leaders elected to invest in a top quality public education system, making our community a leader in attracting new businesses and new residents.

Another beneficial facet of our political leadership has been its financial stewardship. Recently, the county's bond rating was raised to "AAA", the best rating available for local government entities. Of the 3,300 plus counties in the US, Williamson County is one of only 50 to have this rating, according to Moody's Investor Service, an independent credit rating agency. AAA bond ratings allow our governments to borrow at the lowest interest rates possible, requiring fewer tax dollars to repay debt. The cities of Franklin and Brentwood also have AAA bond ratings.

At Franklin Synergy Bank, we are sincerely proud to call Williamson County home and to serve as the County's bank.

Don't forget to fund your IRA for 2007 – Deadline April 15, 2008

Call our Private Bankers Barbara Fleming (615 236-4628) or Andrew Tabb (615 236-4627) to open an IRA.

Franklin Synergy Bank at the February National Guard Convention

Teresa Matthews and Phyllis Bond attended the 2008 National Guard Convention in Nashville to present Veterans Administration (VA) loan information to troops returning from overseas duty.

FRANKLIN SYNERGY BANK TRAVEL NEWS…

Upcoming Event...
Beauty and the Beast
Cumberland County Playhouse - Thursday, June 26

Join Franklin Synergy Bank Club members at the Cumberland County playhouse for a special presentation of Beauty and the Beast! Price includes motor coach transportation, continental breakfast, shopping at the Outlet Mall in Crossville, lunch at Cumberland Mountain State Park, a visit to the Cheese Shop, all admissions, fees, taxes and gratuities. Cost $79/person (Payment is due by June 10).

For reservations or more information contact

Sandy Green at 615-236-4614 or use the online contact form

The Great Trains & Grand Canyons Preview Show on February 27 was a fun-filled event! It was great to see so many of our friends and family. The Great Trains trip on September 7-12 promises to be another wonderful experience with lasting memories.


Franklin Synergy Bank Travel Specialist Sandy Green provides Franklin Synergy Travel bags at the Preview Show.

Meet Our Team

Every month we will introduce you to members of the Franklin Synergy Bank team.

Teresa Matthews – Vice President and Mortgage Operations Officer

Teresa Matthews has great experience in all facets of mortgage operations, including underwriting, closing, secondary marketing and compliance. That experience is important in today's economic climate.

Prior to joining Franklin Synergy Bank, Teresa served as Vice President and Mortgage Operations Manager at Cumberland Bank from March 2004 until the bank's sale. She also served as Assistant Vice President and Secondary Marketing Manager at Franklin Financial Mortgage Inc., a wholly owned subsidiary of Franklin National Bank.

Teresa is a graduate of Louisiana State University in Shreveport, Louisiana. She is a recipient of the Mortgage Bankers Association Certificate of Achievement for Secondary Mortgage Management.

The Privileges of Membership in Franklin Synergy Bank Clubs

Franklin Synergy Bank Clubs offer exclusive membership privileges:

Synergy Club Account – Our signature club account offering: special member interest rates, unlimited check writing, unique travel opportunities, five free non-Franklin Synergy Bank ATM fees per statement, preferred rates on mortgages, overdraft protection, free 24 hour online banking with bill pay, and much more.

Pineapple Gold Club Account – Our signature club account for customers age 50 or better. The same great benefits of a Synergy Club Account along with a free (for one year) safe deposit box.

We look forward to the opportunity to earn your future business at Franklin Synergy Bank. You may reach your Franklin Synergy banker at 236-BANK (2265) or on our website at www.franklinsynergybank.com. Franklin Synergy is located at 3301 Aspen Grove Drive, Suite 106 in Cool Springs. A parking garage is located directly below the bank for your convenience. Just take the elevator to the first floor.

We appreciate your continued interest in Franklin Synergy Bank.

Sincerely,

Richard Herrington